Getting started is simple.
Whether you’re buying your first home, renewing your mortgage, or refinancing, our process is designed to keep things clear, organized, and stress-free from day one.
We’re here to help you every step of the way.
When you’re ready, choose the option that fits where you are.
Apply Online
Complete our secure online application and we’ll review your information right away.
Book A Call
Prefer to talk it through first? Schedule a call and we’ll walk through your situation together.
Check out what it’s like to work with us.
A clear process — without the overwhelm.
Family Mortgage Planners provided an outstanding experience from start to finish! They were incredibly responsive—it truly felt like a 24/7 service.
Chinonso O.
STEP ONE
Start the conversation
Every mortgage begins with a conversation.
We’ll take time to understand your financial picture, your timeline, and what you’re hoping to accomplish — whether that’s buying your first home, renewing your current mortgage, refinancing, or planning ahead.
You can begin by completing our secure online application or booking a call with us. From there, we’ll outline the next steps and answer any initial questions so you feel confident moving forward.
No pressure. Just clarity.
STEP TWO
Review & Prepare
Once we receive your information, our team carefully reviews your application together and confirms which documents lenders will require.
We request supporting documents upfront — because this critical step helps prevent delays, surprises, and last-minute stress later in the approval process.
You’ll receive clear instructions and access to our secure portal to upload documents safely. Throughout this phase, we stay responsive and available — keeping you updated so nothing feels unclear.
Our goal is simple: smooth approvals without unnecessary scrambling.
The team was so proactive – they kept me updated regularly with reminders about what was required at each stage.
Toyitan A.
They’re the best mortgage brokers out there! They really work hard to get the best deals for their customers. They saved me approx. $700-800 per month!
Wanda W.
STEP THREE
Secure Your Mortgage
After reviewing your documents, we present your strongest mortgage product and rate options currently available.
We’ll walk you through the differences in plain language so you understand not just the rate, but the structure and long-term impact of your choice.
From there, we can:
From your first application to final funding, we’re with you every step of the way, ensuring everything stays organized and on track.
Smooth. Clear. Stress-free.
Our clients know we always have their best interest in mind.
Clients share over and over again that they receive consistent communication, clear explanations and steady support from start to finish.
“Highly Recommend!”
★ ★ ★ ★ ★
Family Mortgage Planners were excellent to work with. They had me prequalified very quickly and made the process of submitting all the required paperwork really easy.
Once I had made an offer, they got me a great rate and once again got me set up very quickly. I highly recommend the Family Mortgage Planner team for any of your mortgage needs!
Chase B.
“They were exceptional from start to finish.”
★ ★ ★ ★ ★
Mark, Jonah and Joel really made getting the right financial institution for our mortgage easy and without stress.
They were exceptional from start to finish and I am certainly looking forward to working with them in the nearest future.
Afolabi D.
“I felt very well taken care of and supported.”
★ ★ ★ ★ ★
The whole team at Family Mortgage Planners was fantastic to work with. They answered all of our nitty-gritty questions with helpful explanations and additional information.
As first time home buyers my husband and I felt very well taken care of and supported by Family Mortgage Planners.
Sandra H.
Ready to take the first step?
We’ll help you understand your options, prepare properly, and move forward with confidence.
Have some questions?
Ready to get started?
There are several ways we can get started! Regardless of how you reach out, we’ll quickly get back to you & answer your questions!
Call or text us today!
780-907-7207
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Have a question?
Fill out the form below & we’ll get right back to you.
We’re trusted by thousands of local families.
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Honest and excellent at what they do. Mark and Joel were very quick to respond and secure excellent rates for me and my family. They originally found an excellent rate on our rental property and when it came time to renew on our personal home they were very quick to... read more lock in a very low rate in period of time where rates changed very quickly. They made sure to get all the information from me that they needed to make sure I didn’t miss out on the best rate that I could get. I highly recommend them and appreciate the work they did. Jamie/Julie
Julie F.
March 1, 2022Great rates. Good people. Professional service. I wish they provided more advice based on your situation. But if you know why you want and why it’s best for you, that might not matter.
Braden B.
May 16, 2022I was very impressed by the service I received from Joel and Jonah at Family Mortgage Planners. They walked me through a nontrivial mortgage approval for a rural property highlighting all the nuances that could make the deal work or fail. Their guidance and input was timely and detailed which... read more made me felt supported and well informed through the whole process. I would highly recommend them to anyone.
Itai G.
July 14, 2023 -
We recently purchased our first investment property and Family Mortgage went above and beyond. We needed a non conventional / short term mortgage and they made it happen. Everything went smooth with regards to the processing even we had a delay from CRA with the document we need. The Kostelyks... read more are very prompt with communication - I get an answer to every single question I have within a minute or two. They were all extremely helpful. Highly recommended!
Jessica T.
August 9, 2022The Family Mortgage Planners Team have been supporting me with my mortgage since 2010. They were recommended to me by a friend and I am grateful for that recommendation. I recently had the opportunity to renew my mortgage and Joel was incredible. He was super responsive and... read more diligent throughout the whole process. He was readily available and answered all of my many, many questions. If for some reason he wasn't around Mark was there to support, I felt very well taken care of. They did a great job finding me a mortgage at a very low rate.
Melissa K.
November 23, 2020They are definitely a 5 star experience. They went above and beyond, making this the easiest, most professional experience I had securing a mortgage. They were exceptionally friendly and very helpfully in getting me the absolute best rate for my mortgage. I would, without hesitation, refer anyone I know to... read more them for their services. They continue to following up with me, to ensure I am having a smooth, trouble free experience. Makes one get the true feeling of a family operated business and know your account matters to them. Thank you so much for the wonderful assistance in what normally would be a very stressful endeavour.
Donna M.
March 10, 2022 -
They were available to answer questions whenever I needed and were creative and flexible in helping us negotiate the best terms possible.
Julie H.
May 10, 2024Highly recommended! As first time home buyers it was a great experience having Joel handle our mortgage. He was so helpful and knowledgeable. He knew what lenders would work for our particular situation and got us great rates. Also he clearly communicated what we should expect at each... read more stage and helped ease any worries we had. He was easy to get a hold of and continued to touch base throughout the process to make sure everything was in order. Thanks Joel and the Family Mortgage Planners for a great experience and helping us get our mortgage for our first home.
Stuart S.
March 1, 2021I had an outstanding experience with family mortgage team. Jonah and Joel were very professional and they made this whole process super easy and stress free. The communication was top-notch during the process and they responded timly manner to my emails and texts. I would recommend family mortgage team to... read more anyone whos in mortgage needs around me. Thank you so much!! You guys are best!!
MK
October 4, 2025 -
Mark has been a pleasure to work with. Competitive rates and valuable advice. Thought I would try a discount mortgage provider direct and If I chose him instead I would have saved a lot of money as rates dropped and now I’m locked in! Very happy with his service and value... read more he bring to the table
Alex H.
January 18, 2021I greatly value the dedication that Family Mortgage Planners have to their costumers. Whether its newsletters on whats going on in the housing market, tips on finances, prizes to be won, or questions I might have, I always feel connected and a part of their team!
Thank you for your guidance... read more along the way on my approval for my mortgage and for your quick responses! Veronica G.
January 7, 2022These gentleman are the best. They went above and beyond assisting us with all of our mortgage needs. Thank you , I will be advertising your business.
Beatrice L.
July 16, 2022 -
I purchased my home a couple months ago and used the family mortgage planners to help secure financing. The process was so smooth and they were very patient with a first time home buyer! Mark, Jonah & Joel were all very kind and made sure I was well informed... read more during the whole process. Will definitely use on my next purchase and renewal!
Sam H.
September 14, 2023For the first time purchasing our home, Family Mortgage Team Planners made the process seamless and stress-free. We will undoubtedly seek their assistance again in the future. Highly recommended!
angel n.
October 2, 2025Mark was fantastic to work with. After dealing with a bank and having a less than positive experience, Mark had me pre-approved in less than an hour in a better deal than I thought possible. I would recommend them in a heartbeat!
Tiffany L.
November 16, 2021 -
I had a great experience working with the team. Timely and detailed response to inquiries. Highly recommend.
Tolulope A.
November 8, 2025Joel and Mark have been amazing to work with yet again! Been working with them for years on several homes and mortgages. They are always willing to help answer questions and make the process as easy as possible! They are 5 star, for sure!!!
Christie M.
August 10, 2024Family Mortgage Planners were phenomenal to work with! They anticipated my questions, and answered everything so quickly I didn’t have time to stress over them! They helped us secure the mortgage on our little heart home! I will recommend Mark & Joel to anyone. I was very happy with everything... read more they did for our family!
Amanda A.
April 7, 2021 -
Mark and his team are fantastic. have used on a few properties now and i wouldn't go anywhere else.
Justin R.
February 16, 2022Mark, Jonah and Joel are absolutely wonderful people. They helped us in securing mortgage financing for our new home and at unbeatable rate. Highly recommended. Very professional, patient and detailed people in my opinion.
oziren o.
February 10, 2024It was time to renew my mortgage and I went to Joel Kostelyk at Family Mortgage Planners. He got on it right away and within a short time period had a good offer for me. The process was straight forward and efficient, and I found everyone at Family Mortgage Planners... read more a pleasure to work with. Thank you for your help at a time that can be challenging; you made it easy. If you're needing to get or renew a mortgage I recommend you give them a call. Caroline
Caroline H.
August 2, 2022 -
It was a great experience working with Family Mortgage Planners. Joel was with us on every step of the way so we could find the right mortgage that suited our needs and possibilities. I will happily send anyone looking for a mortgage their way. Thank you all.
Mariano T.
October 1, 2022I greatly value the dedication that Family Mortgage Planners have to their costumers. Whether its newsletters on whats going on in the housing market, tips on finances, prizes to be won, or questions I might have, I always feel connected and a part of their team! Thank you for... read more your guidance along the way on my approval for my mortgage and for your quick responses!
Veronica G.
January 16, 2022Mark and his team were incredibly helpful in providing insight, advice, and an exceptionally smooth experience for my wife and I. As first time home buyers, the family mortgage crew took all of the mystery out of the process and gave us all the confidence and support we needed. Cannot... read more recommend highly enough!
Andrew h.
November 7, 2021 -
We had an opportunity to work with Joel for the first time in 2016 and then again this year. As always, we appreciate Joel's professionalism. His attention to detail is beyond compare. We highly recommend Family Mortgage. - Williams and Sta Juana Family
The W.
November 7, 2021Had a great experience at Family Mortgage. I was working with Jonah and he was very knowledgeable and always quick to respond to my questions.
Crista
April 4, 2025Recommended to me by a couple of friends. What I found was great client care. The team at Family Mortgage Planners provided reliable and quick service. From beginning to end, there was no delay in answering our questions online or by phone, even afterhours. They provided clear direction, information, and... read more document requirements. We were extremely happy and thankful with the rate they found for us and how fast they were able to lock us in before a potential increase.
Bart S.
October 14, 2023 -
Family Mortgage Planners helped me when I first bought my place, and again when it was time to renew. Really took a lot of the stress out of the process, helped every step of the way, and were very attentive when I had questions. I recommend them to anyone I... read more know looking at buying, and plan on using their services as long as I have my mortgage.
Cristin L.
February 1, 2023FMP was good to work with and very helpful for us!
Bill D.
September 10, 2023Quick, efficient, easy. It was our first home purchase and Family Mortgage Planners made the mortgage side of things as painless as possible—THANK YOU!
Royal
March 18, 2025